When you purchase travel insurance, most of us assume that we are insured for all aspects of the trip. Unfortunately, that is rarely the case. A travel insurance coverage is full of holes; the adage ‘you get what you pay for’ tends to apply here. For example, a less expensive insurance package typically includes less comprehensive coverage. Here are some of the things travel insurance usually doesn’t include.
Just as a pre-existing medical condition isn’t covered by travel insurance, routine dental care isn’t coverage either. However, dental trauma in specific circumstances may be covered depending on the reason for the damage.
Losses due to mental or emotional disorders
Unless hospitalisation is required, most travel insurance policies do not cover claims involving mental or emotional disorders such as depression, schizophrenia, or bipolar disorder.
Pregnancy and childbirth
If you are pregnant and happen to give birth while traveling, the travel insurance will most likely not cover the childbirth expenses. However, you may get coverage for complications associated with pregnancy or childbirth.
Natural Disasters that began before you got the insurance
If you’ve bought travel insurance after a natural disaster such as a storm or hurricane has been named, you’re unlikely to get coverage due to losses incurred because of that. However, you may be covered if there’s a natural disaster after you’ve purchased the insurance.
Sport and adventure activities
A lot of travel insurance policies exclude losses due to adventure sports such as bungee jumping, skiing, snowboarding, rafting, caving, sky diving, and scuba diving. So, if you’re planning an active vacation, check the terms of your policy before purchasing it.
Security delays or overbooked flights
Most travel insurance policies typically won’t protect you if you miss a flight due to a long airport security line, or if you’re transferred from an overbooked flight and miss a subsequent connection.
Planning your annual holiday trip is important to most of us as it is the time when we take time to look after ourselves after working hard all year long. Some of us travel more frequently and whether you are planning a single trip or have more than one holiday per year you will probably want to make sure you have adequate travel insurance cover in the unfortunate event that you need to claim your travel insurance.
Most travel agencies offer cheap international insurance on packages. These packages are based on the traveler’s needs and want. The traveler is therefore always the one in charge. He or she is the one responsible of choosing the perfect plan to suit his travel.
There are also some travel networks sites on the internet which provide information that is always easy to understand and offer rates that are within your budget. Having cheap online travel insurance can make someone smile without all the worries of unexpected expenses. A couple of them also offer a free and instant quote for the traveler to know what type of insurance he or she is most likely to avail.